Life and AD&D insurance

Employers play important role in providing benefits that protect employees and their families

Did you know that 42% of American adults acknowledge they are living with a life insurance coverage gap?1 This is where you can help. With Sun Life’s group and voluntary Life insurance, you can offer the protection your employees and their families need, including support for their end-of-life journey and an employee assistance program to help them with mental health and everyday needs.

Learn about our group and voluntary Life insurance offerings. 

  1. Perceived cost – too expensive
  2. Other financial priorities
  3. Uncertainty over how much and what type to buy

A benefit plan that is easy to offer:

  • Basic (employer-paid) or Voluntary (employee-paid) options – many employers offer both, including dependent plans
  • Meaningful benefits amounts available Guaranteed Issue
  • Higher amounts available with and without health questions
  • Easy online evidence of insurability application
  • Accelerated benefits for terminally ill employees2
  • AD&D coverage to complement Life or as a stand-alone product
  • A wide variety of optional riders
  • Access to Wellthy starting 1/1/26, provides personalized, expert care coordination services and resources for employees, their families and beneficiaries by guiding them through the end-of-life journey—whether they’re proactively planning to organize their estate or seeking guidance through grief and loss3
  • Optional Employee Assistance Program (EAP) and work-life services4

How we help

In addition to plan design assistance, our Life claims examiners have significant experience and are sensitive to the needs of families facing the loss of a loved one or of an employer facing the loss of a valued employee. Our teams of professionals—from Accelerated Benefits examiners to Life claims examiners to Waiver of Premium examiners—carefully analyze each case and treat employees with empathy and respect.

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Group Life and Disability Insurance

Watch the video to see how Group Life and Disability insurance made all the difference for the Keating family.

Beneficiary Resource

Losing someone you love is one of the most difficult experiences you will have in your lifetime. We created a resource to guide you through the steps to take after losing a loved one.

Get the checklist

1. 2024 Insurance Barometer - Securing the Future. Retrieved on August 8, 2024

2. The Accelerated Benefit is not long term care insurance. It will reduce the total amount of your life insurance benefit payable under the Policy by the amount of the accelerated payment. Receipt of an Accelerated Benefit may be taxable; you should consult your tax advisor for specific advice. Receipt of an Accelerated Benefit may affect your eligibility for public assistance programs. 

3. Wellthy is not available in New York or Vermont.

4. Employee Assistance Program (EAP) is not available with Life insurance in New York.

Value-added services are not insurance, offered only on specific lines of coverage, and carry a separate charge, which is added to the cost of the insurance. The cost is included in the total amount billed. Wellthy is provided by Wellthy, Inc. Employee Assistance Program (EAP) work/life services is provided by ComPsych®. ComPsych® is a registered trademark of ComPsych Corporation. The entities that provide the value-added services are not subcontractors of Sun Life and Sun Life is not responsible or liable for the care, services, or advice provided by them. Sun Life reserves the right to discontinue any of the Services at any time. Employers who provide group insurance coverage and make available this Service within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.

Group life insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 12-GP-01, 15-GP-01, 15-LF-C-01, 12-GPPort-P-01, 15-LFPort-C-01, 15-ADD-C-01, 13-ADD-C-01 and 13-ADDPort-C-01. In New York, group life insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP-01, 13-GP-LF-01, 13-LF-C-01, 12-GPPort-P-01, 13-LFPort-C-01, 15-LF-GP-01, 15-LF-C-01, 12-GPPort-P-01, 15-LFPort-C-01, 13-GP-LH-01 and 13-ADD-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

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